How to proceed after successful authentication?

Why do only some sites ask for an additional 3-D secure authentication when i make online payments?

• I'm part of a startup and we are thinking about accepting online payments in our site. I have seen some sites asking for 3-D secure authentication, where I am redirected to my bank website for authentication. However, there are also some sites like Amazon, Facebook, Google, etc. that do not ask for any 3-D secure authentication. How can we set up our online payment gateway so as to avoid the 3-D Secure authentication? Do we need to set up a bank account to accept these payments in a specific country or something?

• Answer:

  3-D Secure is an added security feature that you can opt for (if offered by) your Payment Service provider. You can opt to have it turned on or not, this depends on your type of exposure you will allow yourself to be subjected to, the financial regulations in your country and also the underwriting terms & conditions by the acquiring bank and/or PSP. In short, its not that you have to use it, but it greatly reduces fraud and the onus of the fraud goes to the acquiring bank rather than the merchant.